Medical Mutual of Ohio is a not-for-profit managed care company that provides health insurance products and related services to some 1.5 million members in a handful of states in the midwestern and southern US. The company's individual and group health plans include HMO, POS, traditional indemnity, and supplemental Medicare. Medical Mutual also provides dental, vision, and prescription drug plans, life insurance, and third-party administration (TPA) services. The company's products are marketed through a network of independent brokers. Medical Mutual is a member-owned mutual company.


Medical Mutual's operating units include Medical Mutual Services (third-party administration), Consumers Life Insurance (life and disability coverage in six states), Consumers Life Insurance Company (life and disability coverage in Ohio), and Medical Health Insuring Corporation of Ohio.

Geographic Reach

Medical Mutual's network includes some 43,000 physicians. Following several expansion efforts into new regions, the company is now focused on strengthening its health operations in existing territories in Georgia, Indiana, Ohio, and South Carolina.

Sales and Marketing

In addition to its broker network, Medical Mutual promotes its products through relationships with benefit consultants and group benefit managers. The company supports its distributors by providing customer service, claims payment, benefit design, and relationship management systems.


Overall goals for Medical Mutual include establishing affordable products for customers and maintaining efficient provider management systems to keep the overall costs of health care down. To foster positive workplace and community environments, the company also aims to provide professional development opportunities for employees and to support the well-being of its members through outreach efforts.

Mergers and Acquisitions

In 2016, Medical Mutual acquired the group and individual health insurance operations of Ohio-based HealthSpan Partners, adding 105,000 members to its rolls. HealthSpan was an insurer affiliate of Mercy Health but shut down operations in 2016.

Company Background

Medical Mutual of Ohio, which lays claim to being the oldest and largest health insurance company in the state, was established in 1934 as the Cleveland Hospital Service Association.

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2060 E 9th St Ste Frnt
Cleveland, OH 44115-1355
Phone: 1 (216) 687-7000
Fax: 1 (216) 687-1772


  • Employer Type: Private Non Profit
  • Chairman, President, and CEO: Rick Chiricosta
  • EVP and CFO: Ray Mueller
  • EVP and Chief Experience Officer: Susan Tyler
  • Employees: 2,500

Major Office Locations

  • Cleveland, OH

Other Locations

  • Beachwood, OH
  • Chesterland, OH
  • Columbus, OH
  • Leipsic, OH
  • Strongsville, OH
  • Toledo, OH
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